Business Details
Your Trusted Insurance Partner in Lexington, KY
Kentucky Growers is a mutual insurance company founded in 1896 by growers for growers, dedicated to serving rural and suburban Kentucky families. We operate exclusively for our policyholders, prioritizing their needs through property and casualty insurance solutions. With over 125 years of experience, we maintain a deep commitment to the communities we serve, supporting homes, farms, and local livelihoods. Our independent agent network spans over 100 Kentucky counties, ensuring personalized service and local expertise. As a BBB-accredited business with an A+ rating since 1959, we uphold transparency, reliability, and customer-centric values.Our Demotech A (Exceptional) rating reflects our financial strength and industry trustworthiness. Headquartered in Lexington, KY, we combine tradition with modern coverage options, including specialized policies for homes, farms, churches, and personal property. Our history of innovation includes milestones like introducing liability coverage in 1971 and the KG III policy for quality homes in 1992. We remain steadfast in our mission to protect Kentucky families while adapting to evolving needs through technology and service enhancements.
Services
Home Insurance
Farm Insurance
Mobile Home Insurance
Church Insurance
Personal Property Insurance
Highlights and features
- 125+ years of Kentucky-focused insurance expertise
- Mutual company structure prioritizing policyholder interests
- BBB A+ rated since 1959 for trustworthiness
- Independent agent network in 100+ Kentucky counties
- Specialized coverage for homes, farms, and churches
Associations and certifications
- Better Business Bureau (BBB)
Services
Home Insurance
Our home insurance protects Kentucky residences with comprehensive policies covering structural damage, personal belongings, and liability. We offer tailored options for traditional homes, mobile homes, and seasonal properties across rural and suburban areas. With flexible coverage limits and deductible options, our policies ensure financial protection against common risks like fire, storms, and theft while maintaining affordability for Kentucky families.
Farm Insurance
Designed for Kentucky's agricultural community, our farm insurance covers primary residences, outbuildings, equipment, and livestock. Policies address unique risks including crop damage, machinery breakdowns, and liability protection for farm operations. We offer specialized coverage for tobacco barns and other farm-specific structures, combining traditional expertise with modern risk management solutions tailored to Kentucky's diverse agricultural landscape.
Church Insurance
Our church insurance provides comprehensive protection for religious organizations, covering buildings, contents, and liability risks. Policies address unique needs including coverage for community events, volunteer activities, and specialized property like stained glass and historical elements. With experience serving Kentucky's faith-based communities since 1896, we offer tailored solutions that protect both physical assets and ministry operations.
Personal Property Insurance
This coverage protects valuable personal assets against theft, damage, or loss, including high-value items like jewelry, collectibles, and specialty equipment. Our policies offer flexible valuation options and enhanced coverage limits beyond standard homeowners' policies. Kentucky residents can secure additional protection for prized possessions through customizable endorsements that adapt to individual needs.
Liability Coverage
We provide comprehensive liability protection for homeowners, farmers, and religious institutions, covering legal expenses and damages from covered incidents. Our policies include standard liability limits with optional enhancements for higher-risk properties. Specialized offerings like Farmer's Comprehensive Liability address unique exposure scenarios, ensuring Kentucky residents maintain financial protection against third-party claims.
Questions
Does Kentucky Growers operate outside Kentucky?
We exclusively serve Kentucky residents through our network of local independent agents across over 100 counties.
What types of insurance do you offer?
We specialize in home, farm, church, and personal property insurance with liability coverage options for Kentucky residents.
How can I find a local agent?
Our agent locator tool helps Kentucky residents connect with independent agents in their county through our 100+ agent network.
Are mobile homes covered?
Yes, we offer specialized insurance for single-wide and double-wide mobile homes in Kentucky's rural and suburban areas.
What is your financial strength rating?
We maintain a Demotech A (Exceptional) rating and BBB A+ accreditation since 1959 for financial stability.
How do I file a claim?
Contact your local independent agent or our Lexington office directly to initiate the claims process with our experienced team.
